Mortgage portability — now available in 38 states

Your rate moves
with you.

Sell your home. Buy a new one. Keep your 3% rate. PortKey lets you carry your existing low-rate mortgage to any new property instead of refinancing at today's 7%+ rates.

Eligibility

Is my loan portable right now?

Roughly 1 in 4 U.S. mortgages is government-backed — and those are assumable by federal law today. Select your loan type to see where you stand.

The process

How it works

No refinance. No new underwriting. Just your existing rate — moved to your new home.

Step 1

Port your mortgage

Your existing balance moves to the new property at your original low rate. The loan travels with you, not the house.

Step 2

Gap loan for the difference

If your new home costs more, PortKey originates a gap loan at current market rates to cover the price difference.

Step 3

One blended payment

You make a single monthly payment. We handle the split. The blended rate is almost always lower than a full refinance.

Early Access

Reserve your spot

Join homeowners already on the waitlist. We'll notify you when portability is available in your state.

Apply for Portability

Takes about 5 minutes. No hard credit pull.

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Property Details

Current Property

New Property